A gold credit card from Sberbank is a convenient means of payment that allows you to make transactions without using cash. Unlike consumer loans, the method of obtaining money in debt allows you to use the capital of the organization without paying interest. The payment instrument also has a number of other features that you need to study before applying for Visa Gold.
Card issuance conditions
The gold credit card of Sberbank of Russia is a popular product of the organization of the same name. It is notable for its low cost and large credit limit. The institution is ready to provide owners of Visa Gold with a limit of up to 600,000 rubles.
If a person is interested in a Sberbank gold credit card, the conditions for using it are loyal. The company issues money at 25.9%. The payment instrument is valid for 3 years. There is no service fee for the Sberbank gold credit card. The only currency in which you can get a loan in 2017 is rubles. It will not work to take out a loan in the funds of another country.
The product is available in 2 versions - Visa or Mastercard Gold. The difference between them is that the first version of the means of payment can be used to make contactless purchases. Mastercard does not provide such an opportunity. The product is protected by a chip. This increases its reliability. It should be remembered that if the client has chosen a gold credit card, it will not be possible to receive an additional means of payment. All owners of banking "plastic" can take part in the "Thank you from Sberbank" program.
Grace period
If a client starts using a Sberbank gold credit card, certain benefits will become available to him. One of them is the ability to use the company's money without charging interest. The product has a grace period. Capital is provided free of charge for 50 days.
The term consists of 2 periods - payment and reporting. The first 30 days are provided for transactions. During this time, the lender prepares a report. Then Sberbank sets aside 20 days for a refund. If the client repays the debt within the specified period, the interest will not be charged. Exceeding the period will result in a charge.
The grace period is valid only for non-cash transactions. If a user withdraws cash from a Sberbank gold credit card, interest is accrued immediately. The used ATM does not affect the feature.
Additional services
If the client has chosen the Sberbank gold credit card, the terms of use will include additional benefits. The list of privileges that apply to owners of Gold status products:
- the possibility of receiving funds in Russia and abroad from subsidiaries of Sberbank on the same terms;
- to pay for cellular communications, utility bills and other bills, you can set up auto payment,
- you can manage your product account remotely;
- overseas product owners can use the emergency gold credit card service if they lose it;
- there is a system of discounts and privileges;
- you can pay for the purchase using the details;
- You can pay for the purchase using self-service terminals or via the Internet.
You can find out the exact list of bonuses by visiting a Sberbank branch.
How to apply for a banking product
Before using a Sberbank gold credit card, it must be issued. The organization does not provide a means of payment for all applicants. For Sberbank to agree to interact, the borrower must meet the following requirements:
- have Russian citizenship;
- be between the ages of 21 and 65;
- have a permanent registration in one of the constituent entities of the Russian Federation.
The procedure for applying for a gold credit card is not complicated. The client must visit the branch of the organization and provide a passport. No additional documentation is required. A number of users can receive the product only with a personal offer. The list of such clients includes persons:
- receiving salary or pension in a credit institution;
- using a debit card;
- contributing to the organization;
- who took out a consumer loan in the company.
The presence of a personal offer allows you to count on preferential terms. If persons receiving a salary or pension from the company are interested in a Sberbank gold card, the credit limit can be increased to the maximum amount. But it should be borne in mind that the organization takes into account the amount of user income.
Payment activation
If the customer knows what a gold credit card is, he must understand that it needs to be activated before using it. Sberbank takes care of the client's safety. For this reason, the means of payment is initially inactive. The activation of the gold credit card takes place at the moment of its transfer to the client. An employee of Sberbank enters data on "plastic" into the database. You can start using the loan product in a day.
Gold credit card from Sberbank: top-up
If a client is interested in a Sberbank gold credit card, reviews will help to get an idea of the company's product. The main responsibility of the user is to close the debt to the organization in a timely manner. The manipulation is done with:
- mobile application;
- online banking;
- ATMs and terminals of the organization;
- mobile bank.
The client can find out the amount of debt at any convenient time using remote methods of obtaining information.
Cash withdrawal
It should be remembered that the gold credit card from Sberbank was created for making payments, without using real money. For this reason, cash withdrawals were not initially envisaged. However, the transaction can be performed, but the client must prepare for an additional commission.
If the manipulation is performed using Sberbank ATMs, the withdrawal fee will be 3%. When withdrawing money from other institutions, the commission will be 4%. There are also restrictions on the amount that can be withdrawn per day.
Advantages and disadvantages
Before using a payment method, experts recommend that you study the reviews. If the client liked the Sberbank gold credit card, the pros and cons of the product will allow them to make the final choice. The positive features of banking "plastic" include:
- increased protection with a built-in chip;
- preferential terms of lending;
- only a passport is required for registration;
- the region of residence does not affect the possibility of use;
- pensioners can also apply for a card;
- there is a grace period;
- there is no annual maintenance fee.
However, if a Sberbank gold credit card is issued, the disadvantages must also be taken into account. The list includes:
- the additional card cannot be issued;
- funds are issued at a high interest rate;
- a high commission is charged for cash withdrawals;
- if cash is withdrawn, the grace period is terminated;
- if the client has put their own money on the card, a commission will also be charged for their withdrawal.
The means of payment is suitable for persons who are going to carry out cashless payments. If the client needs cash, it is better for him to give preference to a consumer loan. Withdrawal interest will make the borrower spend a decent amount.
